<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM PAMRAPO
BANCORP, INC'S FINANCIAL STATEMENT FOR THE YEAR ENDED DECEMBER 31, 1997, AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS, WHICH ARE
CONTAINED IN THE FORM 10-K FILING OF PAMRAPO BANCORP, INC. FOR THE FISCAL YEAR
ENDED DECEMBER 31, 1997.
</LEGEND>
<CIK> 0000854071
<NAME> PAMRAPO BANCORP, INC.
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                      10,406,794
<INT-BEARING-DEPOSITS>                       2,900,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 11,849,202
<INVESTMENTS-CARRYING>                     126,108,914
<INVESTMENTS-MARKET>                       127,776,792
<LOANS>                                    213,631,095
<ALLOWANCE>                                  2,475,000
<TOTAL-ASSETS>                             376,714,162
<DEPOSITS>                                 307,472,000
<SHORT-TERM>                                13,856,723
<LIABILITIES-OTHER>                          6,852,324
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        34,500
<OTHER-SE>                                  48,498,615
<TOTAL-LIABILITIES-AND-EQUITY>             376,714,162
<INTEREST-LOAN>                             18,699,348
<INTEREST-INVEST>                            9,080,165
<INTEREST-OTHER>                               616,023
<INTEREST-TOTAL>                            28,395,536
<INTEREST-DEPOSIT>                          11,062,108
<INTEREST-EXPENSE>                          11,861,693
<INTEREST-INCOME-NET>                       16,533,843
<LOAN-LOSSES>                                  585,555
<SECURITIES-GAINS>                             111,583
<EXPENSE-OTHER>                              9,792,213
<INCOME-PRETAX>                              7,830,373
<INCOME-PRE-EXTRAORDINARY>                   7,830,373
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 5,071,203
<EPS-PRIMARY>                                     1.74
<EPS-DILUTED>                                     1.74
<YIELD-ACTUAL>                                    8.11
<LOANS-NON>                                  5,042,000
<LOANS-PAST>                                 1,907,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              2,171,488
<ALLOWANCE-OPEN>                             2,800,000
<CHARGE-OFFS>                                  927,699
<RECOVERIES>                                    17,144
<ALLOWANCE-CLOSE>                            2,475,000
<ALLOWANCE-DOMESTIC>                           619,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      1,856,000
        

</TABLE>